Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$171,474Cash toward the purchase price.
Closing costs + prepaids$10,101Not just lender fees.
Before credits & paid funds$181,574The complete starting cash picture.
Estimated remaining funds due at closing
$181,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,473.64
Your down payment$171,473.64
Closing costs + prepaids$10,100.70
Total buyer cash needed$181,574.34
Remaining funds due$181,574.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$937.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$232.25
Initial HOA (3 months)$81.00
Prepaid interest, first (2 days)$41.82
Fees + prepaids$10,100.70
Your down payment is the seller’s equity. You take over the $187,526 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $181,574.34 is due at closing. Uses and sources reconcile at $369,100.70 each. Not a Closing Disclosure.